Spain Payments Playbook
Best Spanish Local Payment Methods: Top 10 LPMs for Dropshipping
Spain is a high potential ecommerce market. Over 76 percent of Spanish consumers shop online at least once per month.
Payment preference drives conversion. If your checkout does not feel local, you lose sales. Use this guide to fix that fast.
Reduce checkout friction. Raise approval rates. Lift mobile conversion in Spain with local methods, wallets, and BNPL.
What you will get from this guide
This guide explains the best payment gateways for the Spanish dropshipping market, with a focus on options for non Spanish dropshippers and non Spanish businesses.
Each method includes practical use cases, onboarding notes, and why it matters for conversion. Use it to pick your stack faster.
- Local trust: Match Spanish buyer habits.
- Mobile speed: Shorter checkout flows.
- More approvals: Better authentication and routing.
Why you must offer Spanish local payment methods
Spanish shoppers trust familiar payment flows. Cards alone often fail to convert. Industry data shows more than 30 percent of carts can drop at checkout when preferred methods are missing.
Add local wallets, bank transfers, and BNPL. You cut friction and grow trust fast.
Add 1 wallet, 1 local bank method, and 1 to 2 BNPL options. Track conversion by method for 14 days. Keep winners. Remove weak links.
Top 10 Spanish local payment methods for dropshipping
Each option below includes what it is, who can onboard, and where it wins. You can mix these methods to cover trust, speed, and affordability.
If you operate from the UK, EU, or outside Europe, focus on providers that support cross border onboarding.
1. Redsys
Redsys is the backbone of card payments in Spain. Many Spanish banks route transactions through it, so customers recognize the flow instantly.
It supports Visa, Mastercard, AMEX, Apple Pay, and Google Pay. Local authentication can improve approvals and reduce chargebacks.
- Payment type: Cards and wallets
- Coverage: Spain
- Requirement: Often needs a Spanish business and bank account
- Best for: Spanish incorporated ecommerce brands
Onboarding can be hard without Spanish registration. If you cannot get Redsys, use a PSP that routes Spanish cards well and add Bizum plus PayPal.
2. Bizum
Bizum is a fast growing method in Spain. Customers pay with their mobile number and confirm in their banking app.
It removes card entry, which speeds mobile checkout. For dropshipping, Bizum often reduces abandonment because the flow feels local and familiar.
- Payment type: Instant bank transfer
- Coverage: Spain
- Requirement: Some providers allow non Spanish merchants
- Best for: Mobile first Spanish dropshipping
Put Bizum next to card and PayPal. Label it “Pay with Bizum”. This simple placement can lift mobile completion for Spain traffic.
3. SeQura
SeQura is a popular BNPL option built for Spanish shoppers. Customers can split payments or delay for 7 to 30 days.
The flow stays quick with soft checks. It can increase average order value because buyers feel safer adding extras to the cart.
- Payment type: Buy Now Pay Later
- Coverage: Spain
- Requirement: Often supports non Spanish businesses
- Best for: Higher AOV and better conversion
BNPL performs best on mid ticket bundles. Test it on products over your median price. Compare AOV and refund rate by method.
4. PayPal
PayPal remains a top wallet in Spain because buyers value protection and fast checkout.
It works well for international dropshipping. It also reduces fear for first time buyers. That trust can raise conversion when your brand is new to Spain.
- Payment type: Digital wallet
- Coverage: Spain and global
- Requirement: Non Spanish businesses can open
- Best for: Cross border stores targeting Spain
Add PayPal Express in the cart and checkout. Many buyers will skip form filling. This improves speed and lowers friction on mobile.
5. Revolut
Revolut keeps growing in Spain and across Europe. It feels modern, fast, and app driven.
For merchants, it supports quick settlement and multi currency handling. If you sell to Spain, the UK, and the EU from one store, Revolut can fit well.
- Payment type: Wallet and bank alternative
- Coverage: Spain, UK, EU
- Requirement: Non Spanish businesses can open
- Best for: Multi market EU ecommerce
Use Revolut as your “modern wallet” option. Pair it with PayPal for mainstream trust and Bizum for local banking familiarity.
6. Floa
Floa is a BNPL provider backed by BNP Paribas. That brand trust helps in Europe.
It supports multiple countries from one integration, which helps cross border dropshippers. Buyers get instalments without heavy friction, which can improve completion on higher priced carts.
- Payment type: Buy Now Pay Later
- Coverage: Spain and parts of Europe
- Requirement: Non Spanish businesses can open
- Best for: Multi country European targeting
Use Floa for higher ticket categories like electronics and home. Track approval rate and chargeback rate. Keep the provider that delivers stable net revenue.
7. Scalapay
Scalapay is well known in Southern Europe and performs strongly in fashion and lifestyle.
It offers interest free instalments and a clean mobile flow. Younger shoppers recognize it and use it confidently. It also helps you expand from Spain into other EU markets using one provider.
- Payment type: Buy Now Pay Later
- Coverage: Spain and wider Europe
- Requirement: Non Spanish businesses can open
- Best for: Fashion and lifestyle dropshipping
Show instalment messaging on product pages. Example: “Pay in 3”. This sets price expectation early and reduces checkout surprise.
8. Klarna
Klarna is one of Europe’s strongest BNPL brands. Spanish shoppers trust it for pay later and instalments.
It offers multiple payment models and strong fraud controls. Klarna often improves conversion for eligible products, especially when your store sells mid to high ticket items.
- Payment type: Buy Now Pay Later
- Coverage: Spain and Europe
- Requirement: Non Spanish businesses can open
- Best for: Scaling high ticket products
BNPL can increase refunds if product expectations are weak. Improve product photos, sizing info, and delivery clarity before you scale BNPL spend.
9. Alma
Alma focuses on transparent instalments and responsible spending. The flow feels clean and predictable.
It works well for premium brands because it avoids aggressive lending cues. Buyers see exactly what they pay and when, which can reduce hesitation for mid ticket carts.
- Payment type: Buy Now Pay Later
- Coverage: Spain and parts of Western Europe
- Requirement: Non Spanish businesses can open
- Best for: Premium and mid ticket products
Alma often performs well in home, electronics, and wellness. Pair it with PayPal to cover trust, and Bizum to cover local banking habits.
10. Billie
Billie focuses on B2B buy now pay later. Business buyers can pay later via invoice while you get paid upfront.
This can shorten sales cycles and increase order size in wholesale or B2B dropshipping. It also reduces manual invoicing work by handling risk and checks.
- Payment type: B2B BNPL and invoice
- Coverage: Spain, EU, UK
- Requirement: Non Spanish businesses can open
- Best for: B2B and wholesale models
If you sell to businesses, add Billie on a dedicated B2B checkout or invoice page. Keep consumer checkout simple to avoid confusing retail buyers.
Quick comparison table
| Method | Type | Best for | Non Spanish onboarding |
|---|---|---|---|
| Redsys | Cards | Local card trust | Often hard |
| Bizum | Bank | Mobile speed | Possible via partners |
| SeQura | BNPL | Higher AOV | Often yes |
| PayPal | Wallet | First time trust | Yes |
| Revolut | Wallet | EU scale | Yes |
| Floa | BNPL | Cross border BNPL | Yes |
| Scalapay | BNPL | Fashion | Yes |
| Klarna | BNPL | High ticket scale | Yes |
| Alma | BNPL | Premium carts | Yes |
| Billie | B2B | Invoice and terms | Yes |
Best payment gateway mix for non Spanish businesses
You do not need a Spanish company to win in Spain. You need a local feeling checkout. Start with one wallet for trust, one local bank method for familiarity, and one to two BNPL options for affordability.
This mix covers most Spanish buyer preferences without adding clutter.
- Wallet: PayPal or Revolut
- Local method: Bizum (via a partner provider)
- BNPL: SeQura, Klarna, Scalapay, or Alma
Run A B tests for 14 days. Track conversion, AOV, refunds, and approval rate by method. Promote the top two methods above the fold. Hide weaker methods behind “More payment options”.
FAQs
Do I need a Spanish company to offer Spanish payment methods?
Not always. Some providers require Spanish registration, but many wallets and BNPL platforms support cross border onboarding.
Your best move is to start with PayPal plus a BNPL option, then add Bizum through a supported partner. Local trust grows step by step.
Will more payment methods slow my checkout?
It can if you show everything at once. Keep the first view simple. Show the top three choices, then tuck the rest under a “More options” accordion.
This keeps mobile checkout clean while still supporting Spanish preferences for local methods.
What is the fastest win for CartDNA readers?
Add a wallet plus BNPL and highlight them on product pages. Many buyers decide before checkout.
Simple messaging like “Pay in 3” can lift AOV. Pair that with PayPal Express and you cut form friction for first time Spanish customers.
Final expert insight
Spain rewards merchants who localize payments. Spanish local payment methods directly impact trust and revenue.
If you want to scale dropshipping in Spain, your checkout must feel local, fast, and flexible. Choose the right mix, test performance, and optimize checkout. That is how you win.
